INDEPENDENT COMMUNITY BANKERS ASSOCIATION OF NEW MEXICO (EIN 850329643) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1985

Legal Domicile

Principal Officer

CHRIS MOYA

Phone

5053272151

Tax Period

2025-01-01 to 2025-12-31

INDEPENDENT COMMUNITY BANKERS ASSOCIATION OF NEW MEXICO, founded in 1985, is a small nonprofit in the Community Improvement sector that reported $622K in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year. The organization ran a surplus of $95K, a strong 15% operating margin.

Mission

ALL OF THE ORGANIZATION'S ACTIVITIES PROMOTE COMPETITION AMONG NEW MEXICO BANKS. IN ADDITION, SERVICES TO THE GENERAL PUBLIC ARE IMPROVED THROUGH EDUCATIONAL SEMINARS AND CONFERENCES.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $30,740

Program Service Revenue $396,158

Investment Income $24,919

Other Revenue $170,655

TOTAL REVENUE $622,472

Expense Breakdown

Grants Paid $0

Salaries & Benefits $257,185

Fundraising Expenses $0

Other Expenses $270,031

TOTAL EXPENSES $527,216

Year-over-Year Comparison

	2025	2024	Change
Revenue	$622,472	$658,191	-0.1%
Expenses	$527,216	$516,899	+0.0%
Net Income	$95,256	$141,292	-0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✓ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$170,161

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS MOYA	PRESIDENT /	40.00	Officer	$170,161	$0	$170,161
BOB BIDAL	VICE CHAIRMA	N/A	Officer Director	$0	$0	$0
ABRAHAM CAMARENA	DIRECTOR	N/A	Director	$0	$0	$0
JED FANNING	CHAIRMAN	N/A	Officer Director	$0	$0	$0
JOSH GRASSHAM	CHAIRMAN ELE	N/A	Officer Director	$0	$0	$0
BRIAN MCKELVEY	SECRETARY/TR	N/A	Officer Director	$0	$0	$0
TERESA MOLINA	DIRECTOR	N/A	Director	$0	$0	$0
CHRISTOPHER PALMER	DIRECTOR	N/A	Director	$0	$0	$0
ANGEL REYES	DIRECTOR	N/A	Director	$0	$0	$0
ALAN SHETTLESWORTH	DIRECTOR	N/A	Director	$0	$0	$0
DOUG STONE	DIRECTOR	N/A	Director	$0	$0	$0
CHRIS THOMAS	DIRECTOR	N/A	Director	$0	$0	$0
JENNIFER WELLER	PAST CHAIRMA	N/A	Officer Director	$0	$0	$0
YVETTE WILLIAMS	DIRECTOR	N/A	Director	$0	$0	$0
RANDI YBARA	DIRECTOR	N/A	Director	$0	$0	$0
BRETT DEMILLIANO	FED DELEGATE	N/A	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$622,472	$527,216	$1,218,485	$95,256
2024	$658,191	$516,899	$1,102,423	$141,292
2023	$575,290	$422,765	$986,370	$152,525
2022	$671,596	$655,878	$824,169	$15,718
2021	$437,044	$532,574	$729,742	$-95,530
2020	$477,177	$410,364	$806,948	$66,813
2019	$558,184	$560,703	$760,380	$-2,519
2018	$566,124	$504,361	$756,774	$61,763

INDEPENDENT COMMUNITY BANKERS ASSOCIATION OF NEW MEXICO